AHIP Final Exam Test () Questions and Verified
Answers, 100% Guarantee Pass Johns Hopkins University
This study resource is built for insurance agents, brokers, and healthcare
professionals preparing for the AHIP Final Exam Test (2026/2027). It mirrors the
style, difficulty, and topic coverage of the 2026/2027 AHIP curriculum, covering
Medicare basics, Medicare Advantage plans, Part D prescription drug coverage,
Medigap, enrollment periods, marketing compliance, and FWA prevention. The 300
unique MCQs include verified updated answers and detailed rationales, making it
ideal for Stuvia and Docsity sales.
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?
A) Medicare covers acupuncture, glasses, and dentures.
B) Medicare does not cover acupuncture, or, in general, glasses or
dentures.
C) Medicare covers glasses and dentures but not acupuncture.
D) Medicare covers acupuncture but not glasses or dentures.
Explanation: Original Medicare generally does not cover routine vision care
(glasses), routine dental care (dentures), or alternative therapies like
acupuncture. These are considered non-covered services under Part A and Part
B.
,2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering
if there is any other option he has for obtaining help with his considerable
drug costs. What should you tell him?
A) He could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means obtain the
medications they need. Alternatively, he could check to see whether his
state has a pharmacy assistance program to help him with his expenses.
B) He should apply for a Medicare Advantage plan that offers free drugs.
C) He should ask his doctor to prescribe generic drugs only.
D) He should enroll in a Medigap plan to cover his drug costs.
Explanation: If a beneficiary does not qualify for the Low-Income Subsidy (LIS),
they may seek assistance from pharmaceutical manufacturer patient assistance
programs or State Pharmaceutical Assistance Programs (SPAPs). Medigap plans
do not cover prescription drugs.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that
you represent. It is one of three plans operated by the same organization in
Mr. Lombardi's area. The MA PPO plan does not include drug coverage, but
the other two plans do. Mr. Lombardi likes the PPO plan that does not
include drug coverage and intends to obtain his drug coverage through a
stand-alone Medicare prescription drug plan. What should you tell him about
this situation?
A) He can enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
B) He could enroll in one of the MA plans that include prescription drug
coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug
,plan.
C) He can enroll in the MA-only PPO plan and a Medigap plan.
D) He can enroll in the MA-only PPO plan and a stand-alone prescription drug plan
if he pays a higher premium.
Explanation: A beneficiary cannot enroll in a Medicare Advantage (MA) plan that
does not include prescription drug coverage and simultaneously enroll in a stand-
alone Part D plan. They must either choose an MA plan with drug coverage (MA-
PD) or remain in Original Medicare with a stand-alone Part D plan and possibly a
Medigap plan.
4. Mr. Torres has a small savings account. He would like to pay for his
monthly Part D premiums with an automatic monthly withdrawal from his
savings account until it is exhausted, and then have his premiums withheld
from his Social Security check. What should you tell him?
A) He can switch his payment method at any time during the year.
B) In general, he must select a single Part D premium payment mechanism
that will be used throughout the year.
C) He can split his premium between his savings account and Social Security.
D) He must pay his premiums in cash directly to the plan.
Explanation: CMS requires beneficiaries to select a single premium payment
mechanism for Part D that will be used consistently throughout the year. They
cannot alternate between payment methods within the same year.
, 5. Agent Jennings makes a presentation on Medicare advertised as an
educational event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that mentions
plan-specific premiums. Is this a prohibited activity at an event that has
been advertised as educational?
A) No, as long as she does not collect enrollment applications.
B) Yes. When an event has been advertised as "educational," discussing
plan-specific premiums is impermissible.
C) No, as long as she does not distribute business cards.
D) Yes, but only if she also discusses plan-specific benefits.
Explanation: Educational events are strictly prohibited from including any
marketing or plan-specific information, including premiums, benefits, or
enrollment materials. If plan-specific information is discussed, the event must be
advertised and conducted as a sales/marketing event.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?
A) She must enroll in Part B before she can enroll in a Part D plan.
B) Everyone who is entitled to Part A or enrolled under Part B is eligible to
enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy is
entitled to Part A, she does not need to enroll under Part B before enrolling
in a prescription drug plan.
C) She is not eligible for Part D unless she enrolls in Part B.
D) She can only enroll in a Part D plan if she has both Part A and Part B.
Answers, 100% Guarantee Pass Johns Hopkins University
This study resource is built for insurance agents, brokers, and healthcare
professionals preparing for the AHIP Final Exam Test (2026/2027). It mirrors the
style, difficulty, and topic coverage of the 2026/2027 AHIP curriculum, covering
Medicare basics, Medicare Advantage plans, Part D prescription drug coverage,
Medigap, enrollment periods, marketing compliance, and FWA prevention. The 300
unique MCQs include verified updated answers and detailed rationales, making it
ideal for Stuvia and Docsity sales.
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?
A) Medicare covers acupuncture, glasses, and dentures.
B) Medicare does not cover acupuncture, or, in general, glasses or
dentures.
C) Medicare covers glasses and dentures but not acupuncture.
D) Medicare covers acupuncture but not glasses or dentures.
Explanation: Original Medicare generally does not cover routine vision care
(glasses), routine dental care (dentures), or alternative therapies like
acupuncture. These are considered non-covered services under Part A and Part
B.
,2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering
if there is any other option he has for obtaining help with his considerable
drug costs. What should you tell him?
A) He could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means obtain the
medications they need. Alternatively, he could check to see whether his
state has a pharmacy assistance program to help him with his expenses.
B) He should apply for a Medicare Advantage plan that offers free drugs.
C) He should ask his doctor to prescribe generic drugs only.
D) He should enroll in a Medigap plan to cover his drug costs.
Explanation: If a beneficiary does not qualify for the Low-Income Subsidy (LIS),
they may seek assistance from pharmaceutical manufacturer patient assistance
programs or State Pharmaceutical Assistance Programs (SPAPs). Medigap plans
do not cover prescription drugs.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that
you represent. It is one of three plans operated by the same organization in
Mr. Lombardi's area. The MA PPO plan does not include drug coverage, but
the other two plans do. Mr. Lombardi likes the PPO plan that does not
include drug coverage and intends to obtain his drug coverage through a
stand-alone Medicare prescription drug plan. What should you tell him about
this situation?
A) He can enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
B) He could enroll in one of the MA plans that include prescription drug
coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug
,plan.
C) He can enroll in the MA-only PPO plan and a Medigap plan.
D) He can enroll in the MA-only PPO plan and a stand-alone prescription drug plan
if he pays a higher premium.
Explanation: A beneficiary cannot enroll in a Medicare Advantage (MA) plan that
does not include prescription drug coverage and simultaneously enroll in a stand-
alone Part D plan. They must either choose an MA plan with drug coverage (MA-
PD) or remain in Original Medicare with a stand-alone Part D plan and possibly a
Medigap plan.
4. Mr. Torres has a small savings account. He would like to pay for his
monthly Part D premiums with an automatic monthly withdrawal from his
savings account until it is exhausted, and then have his premiums withheld
from his Social Security check. What should you tell him?
A) He can switch his payment method at any time during the year.
B) In general, he must select a single Part D premium payment mechanism
that will be used throughout the year.
C) He can split his premium between his savings account and Social Security.
D) He must pay his premiums in cash directly to the plan.
Explanation: CMS requires beneficiaries to select a single premium payment
mechanism for Part D that will be used consistently throughout the year. They
cannot alternate between payment methods within the same year.
, 5. Agent Jennings makes a presentation on Medicare advertised as an
educational event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that mentions
plan-specific premiums. Is this a prohibited activity at an event that has
been advertised as educational?
A) No, as long as she does not collect enrollment applications.
B) Yes. When an event has been advertised as "educational," discussing
plan-specific premiums is impermissible.
C) No, as long as she does not distribute business cards.
D) Yes, but only if she also discusses plan-specific benefits.
Explanation: Educational events are strictly prohibited from including any
marketing or plan-specific information, including premiums, benefits, or
enrollment materials. If plan-specific information is discussed, the event must be
advertised and conducted as a sales/marketing event.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?
A) She must enroll in Part B before she can enroll in a Part D plan.
B) Everyone who is entitled to Part A or enrolled under Part B is eligible to
enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy is
entitled to Part A, she does not need to enroll under Part B before enrolling
in a prescription drug plan.
C) She is not eligible for Part D unless she enrolls in Part B.
D) She can only enroll in a Part D plan if she has both Part A and Part B.
